IQRA vs SCHD
NYLI CBRE Real Assets ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | IQRA | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.06% | |
| AUM | $7M | $103.7B | |
| Dividend Yield | 2.98% | 3.31% | |
| Holdings | 107 | 104 | |
| YTD Return | +9.70% | +26.21% | |
| 1Y Return | +12.58% | +29.99% | |
| 3Y Return (annualized) | +11.63% | +15.73% | |
| 5Y Return (annualized) | - | +9.67% | |
| Volatility (annualized) | 13.6% | 13.6% | |
| Max Drawdown | -15.7% | -33.4% | |
| Fund Family | IndexIQ Trust | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | May 10, 2023 | Oct 20, 2011 |
IQRA vs SCHD Performance
NYLI CBRE Real Assets ETF (IQRA) is a ETF from IndexIQ Trust and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year IQRA returned +12.58% while SCHD returned +29.99%. Year to date, IQRA is up 9.70% versus a gain of 26.21% for SCHD.
Over three years, IQRA compounded at +11.63% per year against +15.73% for SCHD. Across the full 3-year window we track, SCHD has the edge at +11.50% annualized vs +9.35%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 13.6% for IQRA. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -15.7% for IQRA and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.75. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IQRA charges 0.65% per year while SCHD charges 0.06%. On a $10,000 position that is $65 vs $6 annually, a gap of $59 per year that compounds over a long holding period. On income, IQRA currently yields 2.98% against 3.31% for SCHD.
Holdings Overlap
IQRA and SCHD share 0 holdings out of 199 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IQRA or SCHD?
IQRA has an expense ratio of 0.65% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $59 per year of difference.
Which performed better, IQRA or SCHD?
Over the past year IQRA returned +12.58% vs +29.99% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), IQRA annualized +9.35% vs +11.50% for SCHD. Past performance does not guarantee future results.
Which is riskier, IQRA or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 13.6% for IQRA. Worst drawdown: IQRA -15.7% vs SCHD -33.4%.
Should I hold both IQRA and SCHD?
IQRA and SCHD have a monthly-return correlation of 0.75, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IQRA and SCHD?
IQRA and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 199 unique securities.
Which pays a higher dividend, IQRA or SCHD?
IQRA yields 2.98% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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